I like to consider my self a sophisticated consumer of credit, but the only card I am aware of that offers a 0% promotional rate with no balance transfer fee (and only as a sign up promotion in the first 60 days) is the chase slate card, a consumer card.In 2004-2006, there were many others, but I am not aware of any others today.If there are any others out there, it would be good to know.

However...and please note this is just a personal observation and an opinion...I've noticed that the higher end properties tend to be more inclined to use the term lease and the more sophisticated tenants are the ones who will use the term "lease" in internet searches. 

Have I ever done a L/O with just an option price, sure, as the buyer it's obvious, I've done it from the seller's seat as well, when I have a more sophisticated buyer, good income, stable, has the ability to pay where the deal is not stretched out for 3 or even more years.

They confirmed that they would not be withholding taxes as they do with other (non-IRA) rentals.Have I spoken with a sophisticated tax accountant on this matter?

Saying investor to investor does change things a bit more than a loan made by just anyone to an investor or the other way around, the difference is to the sophistication of the parties.

great class-very informative.one thing they talk about is some people being passive investors with as little as 10k in an apartment deal, but they say you have to be a "sophisticated investor" for it to be legal. 

There is also "machinery breakdown" which will cover your heating and cooling systems in the event of a covered loss (again often taken off by many if not most of my clients). 

iFunding has machinery set up for this, but they haven't listed any yet.  

**newbie quesitonsYou just need to find sellers who aren't sophisticated enough to realize that a hard money loan is a lot riskier than cash.  

You aren't a borrower at a bank, dealing with a sophisticated lender.